Financially, millennials have a lot on their plates, from paying off student debt and managing day-to-day expenses to buying houses for their growing families.

So it’s not surprising that they may be forgetting something else: life insurance.

A recent survey by TD finds more than half (55%) of millennials surveyed don’t have any life insurance, although one-third have thought about how it might help their loved ones in worst-case scenarios. The top financial priorities that trump life insurance are paying down debt (25%) and saving for a house (21%).

Aside from other having other priorities, respondents said the top barriers to purchasing life insurance were cost (55%) and not having dependents to worry about (37%).

Overall, the survey says millennials don’t seem to be aware of the types of the costs that life insurance can cover. Most (68%) listed end-of-life expenses such as funerals.